3. Chase Freedom Unlimited® — Best all-around cash back and travel perks

Why it’s great: A solid base of 1.5% back on everything with elevated rates (5% on travel through Chase Travel, 3% dining, 3% drugstores). Chase also tucks Freedom Unlimited into the broader Chase ecosystem (you can combine with Chase Ultimate Rewards points if you hold a premium Chase card). A $0 annual fee and regular welcome offers make it a versatile everyday card.

Who should get it: Cardholders who want category bumps and the ability to pool rewards into premium Chase travel cards for outsized value.

Tip: Use Freedom Unlimited for everyday spending and a premium Chase card (e.g., Sapphire Preferred/Reserve) for point optimization if you have one.